It's just because they don't know, they don't have the knowledge of it so it takes someone to tell them about it so they can have that knowledge, but to most of them they are addicted to it and it can only take the grace of God for them to change automatically.
you're right on this, you know as a student savings won't come across your mind if only someone talks to you about investing. And even if someone or a friend introduce with anything concerning investment you feel like he doesn't want you to enjoy yourself, and when it comes to addicted most of the students started that lifestyle of burning smoke while they're still at home, and with that freedom of no one is here to control me any longer so they can smoke more then 5 pack cigarettes in one day. And a pack cigarettes is $30 for a pack but if they really had the knowledge of investing the money, I think before their graduation they might have gotten up to $25,000 or more than this before they're out from school. So what's killing the youth's nowadays it's lack of knowledge and not ready to learn about anything.